FICO

Fair Isaac Corporation

Fundamental data last updated:September 28, 2026

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company profile

SECTOR

Technology

industry

Software - Application

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Fair Isaac Corporation develops analytic, software, and data management products and services that enable businesses to automate, enhance, and connect decisions in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through two segments, Scores and Software. The Software segment offers pre-configured decision management solution designed for various business problems or processes, such as marketing, account origination, customer management, customer engagement, fraud detection, financial crimes compliance, collection, and marketing, as well as associated professional services. This segment also provides FICO Platform, a modular software offering designed to support advanced analytic and decision use cases, as well as stand-alone analytic and decisioning software that can be configured by customers to address a wide range of business use cases. The Scores segment provides business-to-business scoring solutions and services for consumers that give clients access to analytics to be integrated into their transaction streams and decision-making processes, as well as business-to-consumer scoring solutions comprising myFICO.com subscription offerings. Fair Isaac Corporation markets its products and services primarily through its direct sales organization and indirect channels, as well as online. The company was formerly known as Fair Isaac & Company, Inc. and changed its name to Fair Isaac Corporation in July 1992. Fair Isaac Corporation was founded in 1956 and is headquartered in Bozeman, Montana.

 


VALUATION

P/E

39.81

Market Cap ($M USD)

$29.68B

Forward P/E

14.87

PEG

0.09

PRICE TO SALES

13.16

PRICE TO BOOK

-14.39

EV / EBITDA

28.48

5-Year Average P/E

Free Cash Flow Yield

3.01%

DCF Value

$558.57

Graham Number

N/A

Price to FCF

33.25

EV to FCF

37.10

Earnings Yield

2.51%

FCF Yield

3.01%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$32.15

Next Year EPS Growth Estimate

$86.08

Next Year Revenue Growth Estimate

$3.80B

Return on Equity (ROE)

-43.08%

FREE CASH FLOW

Operating Margin

50.37%

Debt-to-Equity

-1.76

Piotroski F-Score

8

Altman Z-Score

10.86

Return on Invested Capital (ROIC)

69.15%

Current Ratio

2.22

Quick Ratio

2.22

Net Debt to EBITDA

2.96

Interest Coverage

7.13

Gross Profit margin

84.16%

FCF PER SHARE

$37.78

REVENUE PER SHARE

$95.47

Gainseekers Quantitative Analysis

Summary

FICO’s valuation presents a fascinating dichotomy. Despite a Forward P/E of 13.08, suggesting potential undervaluation, the stock has traded significantly above its DCF value. The Earnings Yield of 2.86% is modest, yet the Altman Z-score of 10.42 indicates robust financial health. The market seems to be pricing in substantial growth, but with a PEG ratio of 0.08, it might be underestimating the company’s future earnings potential. This mispricing could be an opportunity for discerning investors.

AI Exposure / Tech Reliance

Operating within the Software - Application industry, FICO is well-positioned to leverage AI advancements. Its focus on analytics and decision management solutions aligns seamlessly with AI-driven innovation. This strategic positioning enhances its resilience in the rapidly evolving tech landscape.

The Bull Case

For GARP investors, FICO's appeal lies in its impressive ROIC of 69.15%, showcasing exceptional capital efficiency. The Piotroski F-Score of 8 signals strong financial health, while a 50.37% operating margin underscores its pricing power. Despite a modest FCF Yield of 3.42%, the company's ability to generate cash remains robust, making it an attractive proposition for those seeking growth at a reasonable price.

The Bear Case

However, structural risks cannot be ignored. The negative Price/Book ratio and a Price/Sales multiple of 11.58 highlight potential overvaluation concerns. Trading near its 52-week high, the stock appears technically overextended. Additionally, a negative Return on Equity of -43.08% raises questions about management's effectiveness in generating shareholder value.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$1,593.56

Institutional Ownership %

1-Year Beta

1.23

Insider Buying % (6 Mo)

Distance to 52-Week High

56.12%

Distance to 52-Week Low

32.02%

EARNINGS SURPRISE %

14.78%

50-DAY SMA

$1085.19

200-DAY SMA

$1445.23

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.